These spreadsheets are rarely free. They are often "lead magnets" (given away in exchange for an email address) or high-ticket items sold as part of a course. Searching for a direct download link is the user’s attempt to bypass the marketing funnel—to get the tool without giving up their data or their credit card information.

O grande diferencial da ferramenta é a capacidade de simular amortizações extraordinárias Economia de Juros

Why are so many people searching for a "download link" rather than finding the product officially?

The tool is created by Alessandro Gonçalves, who used these exact methods to pay off his own mortgage in 4 years.